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Find FHA Loan Specialists Near You in Germantown, TN
Looking for a fha loan specialist in Germantown? Review the directory below to compare your options.
6 agents listed
Updated May 2026
Germantown, TN
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Tennessee before hiring.
Showing 6 fha loan specialists in Germantown, TN
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Bank of England Mortgage - 901
7666 Poplar Pike, Germantown, TN 38138
9013559283
Eagle Bank Mortgage: Jake Scott
9062 Valley Crest Ln Suite 202, Germantown, TN 38138
9014944662
Myron Taylor - First Community Mortgage - NMLS ID 1171251
2277 West St, Germantown, TN 38138
9012085149
My Mortgage Company LLC
7540 North St, Germantown, TN 38138
8555626101
Andy Ellis - First Community Mortgage - NMLS ID 397708
2277 West St, Germantown, TN 38138
9013559283
First Community Mortgage - Germantown, TN
2277 West St, Germantown, TN 38138
8004648626
An FHA loan specialist in Germantown, Tennessee helps borrowers navigate government-backed mortgages with lower down payments and flexible credit requirements. Tennessee law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. Specialists guide clients through the FHA loan process from pre-approval to closing.
What Does a FHA Loan Specialist in Germantown Cost?
Typical costs for an FHA loan in Tennessee include an upfront mortgage insurance premium of 1.75 percent of the loan amount, plus annual premiums of 0.55 to 0.85 percent. Closing costs generally range from 2 to 5 percent of the loan amount. Lender fees and appraisal costs vary by provider. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What are the FHA loan limits for Germantown Tennessee?
For 2025, the FHA loan limit for a single-family home in Shelby County including Germantown is $498,257. This limit applies to standard FHA loans and may be higher for duplexes or triplexes.
What credit score is needed for an FHA loan in Tennessee?
Borrowers generally need a minimum credit score of 580 for a 3.5 percent down payment. Those with scores between 500 and 579 may qualify with a 10 percent down payment. Each lender may set higher requirements.
Do FHA loans require mortgage insurance in Tennessee?
Yes, FHA loans require an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium of 0.55 percent to 0.85 percent depending on loan term and loan-to-value ratio. This insurance protects the lender if the borrower defaults.
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Tennessee.